Archived
I've been receiving calls at my place of employment from a company call Bay View supposedly representing MyPayDay Loan.
Daniel's answer
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Answered on October 14, 2014
The calls have every earmark of a scam. Pay nothing. Provide no information. Report to law enforcement (Federal Trade Commission, Consumer...
Archived
I took out a loan from a tribal payday loan company, using my wife's bank account WITH her permission. After reading their claus
Daniel's answer
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Answered on October 13, 2014
Nonrepayment of a loan is not a crime. Check with the state department of financial institutions if this Western Sky loan is enforceable. If it...
Archived
Can I be charged criminally if my wife allowed me to use her bank acc., later closed it after reading tribal clauses in contract
Daniel's answer
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Answered on October 13, 2014
This sounds like a Western Sky contract. Call the local department of financial institutions, see if they are licensed to make loans at the rate...
Archived
If my sister used me as a co signer for a car loan at a federal credit union without my consent, can I sue the bank?
Daniel's answer
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Answered on October 13, 2014
You need to dispute the "tradeline" in writing with the 3 credit bureaus, pointing out specifically that you did not sign any such loan. Send a...
Archived
Can I go to jail for not paying a payday loan that I did online years OK?
Daniel's answer
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Answered on October 12, 2014
This is a scam. You cannot be arrested for not repaying a loan. Do not pay. Do not provide information. Report the calls to law enforcement...
Archived
Can I be issues a warrant for a payday loan that was from 2010.
Daniel's answer
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Answered on October 11, 2014
Failure to pay a debt is not a crime. The content of the call indicates you are being scammed. The call would violate the Fair Debt Collection...
Archived
Had a car loan with a credit union- even though the car loan has been paid off for years they are still holding the title
Daniel's answer
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Answered on October 10, 2014
Many credit unions have cross-collateral clauses, so that collateral for one obligation secures all other obligations. Have a consumer lawyer...
Archived
My auto loan bank took out "loan insurance" on my loan in case I defaulted.
Daniel's answer
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Answered on October 10, 2014
A creditor has the right to purchase insurance against a debtor's default. If the insurance is paid for by the creditor without any attempt to...
Archived
How do I open a business checking account and personal account when I am listed in Chex Systems for 'fraud'?
Daniel's answer
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Answered on October 10, 2014
Chex Systems is a consumer reporting agency subject to the Fair Credit Reporting Act. Request a copy of your file from them. If there is anything...
Archived
What do i do about a payday loan?
Daniel's answer
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Answered on October 10, 2014
St Armands is an internet lender. Check with your local Attorney General and department of financial institutions to see if they are licensed to...